by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Schreiner University, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
At Schreiner University, 73% of new students use loans toward freshman-year expenses, at roughly $12,130 apiece. This figure includes both private and federally funded student loans.
Federal loans alone average $5,569. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Among all degree-seeking undergrads at Schreiner University, 65% rely on federal student loans toward their education, averaging $6,739 annually. This works out to 21.0% more than the $5,569 typical freshmen borrow.
Borrowing the same amount each year would add up to roughly $13,478 in two years and roughly $26,956 after four. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 65% |
| Average federal loan per year | $6,739 |
| Undergraduates with a federal loan | 669 |
| Total federal loans (one year) | $4,508,616 |
The middle borrower at Schreiner University owes $13,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $13,500 |
| Students who completed (graduates) | $23,250 |
| Students who withdrew | $5,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Schreiner University.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,250 |
| 25th percentile | $5,500 |
| 75th percentile | $25,000 |
| 90th percentile (highest-debt students) | $34,000 |
How wide this percentile range is tells you how much borrowing varies across students at Schreiner University.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Schreiner University.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 205 | $18,199 |
| Completed (graduates) | 111 | $18,379 |
| Did not complete | 94 | $17,998 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $218.55/mo.
Federal data lets us separate Stafford borrowers from the rest at Schreiner University.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 193 | — |
| No Stafford loan this year | 12 | — |
Repayment burden translates the debt figures into what a borrower actually pays each month. Schreiner University.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Schreiner University follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 5.7% |
| Borrowers in the cohort | 328 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $11,846 |
| Middle income | $14,250 |
| High income | $14,250 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $13,750 |
| Continuing-generation students | $13,000 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $13,750 |
| Independent students | $12,573 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Schreiner University.
Subsidized and Unsubsidized Loans
Subsidized loans pause interest while you are in school; unsubsidized loans do not. That difference compounds over four years, so the type of loan you take matters as much as the amount.
Did You Know?
Declaring bankruptcy does not erase federal student loan debt. If you stop paying, the federal government can garnish a portion of your wages until the loans are repaid.
References
More about our data sources and methodologies.